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Rewards Checking

Earn interest on your daily collected balance with our premier checking account.  Simply meet the qualifications during the monthly qualification cycles to earn a higher bonus interest rate and receive unlimited nationwide ATM fee refunds.

So what makes it Better-Than-FREE?

  • You can earn a premium of 1.75% APY* on balances up to $25,000
  • FREE unlimited ATM fee refunds**
  • Interest paid monthly on a daily collected balance
  • No minimum balance required
  • No monthly service charge
  • Free Visa Debit Card
  • Free unlimited CNB ATM withdrawals
  • Free 24/7 Expressline telephone banking
  • Free Internet Banking
  • Free Bill Pay
  • Free e-Statements
  • Free GoMobile Banking
  • Unlimited Point-of-Sale (POS) transactions
  • Unlimited check writing

So what do you have to do to get Better-Than-FREE Rewards Checking?

During each monthly qualification cycle simply:

  • Have 12 or more Debit Card purchases (POS) post and clear your account
  • Have 1 or more ACH Direct Deposit or ACH Direct Debit post and clear your account
  • Accept online electronic e-Statements delivery

*1.75% Annual Percentage Yield (APY) earned on balances up to $25,000 when the minimum qualifications are met during each monthly qualification cycle; balances over $25,000 earn 0.46% APY. If qualifications are not met during the cycle, the APY on all balances will be 0.05% APY and normal ATM fees will apply. Maintenance or activity fees could reduce earnings. Rates are effective 04/01/2013 and subject to change weekly. **ATM fee refunds are given on all Nationwide ATMs if qualifications are met during the cycle.

The Goodlife Checking

Being a part of CNB is so much more than just checking and savings accounts and working with our customers to meet their financial goals and dreams; it is the personal relationships that we have formed with our customers that makes me proud to be a part of this bank. -Sherra Gillespie AVP & Good Life Director

This account offers extra benefits for our customers age 50 and better to help you save money.  Take exciting trips, enjoy frequent events and start living The Good Life you deserve!

  • No monthly service charge if minimum balance of $100 is maintained
  • Monthly service charge of $7 if below minimum balance
  • Interest paid with a daily collected balance of at least $1,000; higher interest rate paid on daily collected balances above $5,000
  • Free Visa Debit Card
  • Free unlimited CNB ATM withdrawals
  • Free 24/7 Expressline telephone banking
  • Free Internet Banking
  • Free Bill Pay
  • Free e-Statements
  • Free GoMobile Banking
  • Free Good Life checks or designer checks at a discount
  • Unlimited check writing
  • Unlimited Point-of-Sale (POS) transactions
  • No issuance fee on Travelers Cheques, Official Checks or Money Orders
  • Discount on Safe Deposit Box Rental with automatic debit
  • Identity Fraud Coverage
  • Credit Card Registration on all major credit cards
  • Walk in Pharmacy Card
  • Eye Care and Eye Wear discounts
  • $100,000 Common Carrier Accidental Death and Dismemberment Insurance*
  • Frequent events and trips
  • Additional benefits available

*Insurance is provided by a well respected national company.  Customer insurance is divided equally on joint accounts.  The insurance is not guaranteed by the FDIC, any Federal government agency, or the bank.**

Citizens Simply Checking

“I am proud of what we do for our customers, and what we give back to the communities we serve.”  -Daniel McNeely, Banking Officer

This account offers all the basic features you need in a checking account to simplify your life.No monthly service fee if you elect to receive electronic statements.

  • No monthly service fee if you elect to receive electronic statements
  • Free e-Statements
  • Free Internet Banking
  • Free Bill Pay
  • Free Visa debit card
  • Unlimited point-of-sale (POS) transactions
  • Unlimited check writing
  • Paper Statement Fee $2 (To avoid this fee, enroll for free e-Statements.)